3.4.3客户交易行为的预警处置水平有待进一步提升.....20
4建设银行G分行信用卡风险管理优化..........22
4.1基于客户角度的风险识别与评估.............22
4.1.1客户特征与不良关系的描述性统计分析..........22
4.1.2客户特征与不良关系的二元Logistics回归分析........32
4.2基于客户角度的G分行信用卡风险应对与控制优化建议........35
4.2.1营销管理环节............35
4.2.2征信审批环节............36
4.2.3预警处置环节............37
5完善建设银行G分行信用卡风险管理的保障措施...........39
5.1强化信用卡客户营销过程中的风险防控意识.......39
5.2提升客户信息在风险管理中的分析运用能力.......39
5.3完善信用卡风险管理绩效考核..........40
5.4重视信用卡风险管理队伍建设..........41
6结论与不足...................43
6.1研究结论..................43
6.2存在的不足..............44
致谢.....................46
主要参考文献...................47
Ⅱ
摘要
近年来，随着 GDP增速不断放缓和国内经济下行压力日趋增大，消费市场
规模趋于稳定。信用卡作为一项重要的金融产品，能够为商业银行带来较为丰富
的利息和手续费收入，也是促进消费市场发展的重要抓手。信用卡的风险管理在
促进消费市场发展、保障银行盈利、维护金融稳定等方面发挥重要作用，而信用
卡客户是商业银行信用卡风险管理的核心。
本文以建设银行 G分行为研究对象，开展信用卡风险管理研究。首先通过
对 G分行现有风险管理架构、政策等进行梳理，结合信用卡资产质量情况分析，
发现 G分行当前在风险管理的过程中对客户的特征分析不足，风险管理的精细
化水平有待提升的问题。然后，研究根据以往文献的研究结果，通过获取 G分
行近 5年信用卡客户数据，选取部分客户信息分别进行描述性统计分析和二元
Logistics回归分析进行风险识别与评估，发现客户的性别、年龄、申请渠道、审
批方式、取现次数、逾期次数等特征均存在一定的关联性，其中影响最显著的因
素是客户的年龄、额度和逾期次数，针对数据分析的结果提出了具体的风险应对
和监控建议。最后，提出在营销管理、数据运用、绩效考核、队伍建设等方面的
保障措施，提升风险管理的精细化水平。
关键词：商业银行，信用卡，风险管理
分类号：F830
Ⅲ
Abstract
In recent years, with the slowdown of GDP growth and the increasing downward pressure on
the domestic economy, the scale of the consumer market tends to be stable. As an important
financial product, credit card can bring rich interest and service charge income to commercial
banks, and it is also an important starting point to promote the development of the consumer
market. Credit card risk management plays an important role in promoting the development of the
consumer market, ensuring bank profits and maintaining financial stability. Credit card customers
are the core of credit card risk management in commercial banks.
In this paper, the research on credit card risk management is carried out with the research
object of China Construction Bank g-sub behavior. Firstly, through sorting out the existing risk
management structure and policies of G branch, and combining with the analysis of the quality of
credit card assets, it is found that G branch currently has insufficient analysis on the characteristics
of customers in the process of risk management, and the refinement level of risk management
needs to be improved. Then, according to the research results of previous literature, the research
obtained the credit card customer data of G branch in recent 5 years, selected some customer
information for descriptive statistical analysis and binary logistics regression analysis to identify
and evaluate the risk. It was found that the customer's gender, age, application channel, approval
method, cash withdrawal times, overdue times and other characteristics have certain relevance,
among which the most significant factors are the customer's age Limit and overdue times, and put
forward specific risk response and monitoring suggestions based on the results of data analysis.
Finally, it puts forward safeguard measures in marketing management, data application,
performance appraisal, team building and other aspects to improve the refinement level of risk
management.
Key words: Commercial Bank, Credit Card, Risk Management
Classification No: F830
Ⅳ